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Darrell,you wrote:

You can certainly convert the non-SARSEP IRA without converting the SARSEP IRA. However, for the purposes of determining your basis (and thus the taxable portion of the conversion), I'm pretty sure all IRAs (SARSEP or not) will be treated as one. You can take a look at the proposed Roth regulations from the IRS ( and IRS Publication 590 (, both of which seem to treat SEP (and SARSEP) IRAs just like any other traditional IRA for the purpose of distributions and conversions.

- Darrell (not a tax expert)

Great answer, sir, considering you're not an expert. J Thanks for the post.


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